Note: Before applying for a card, log in to the Internet Bank to check whether you have a pre-calculated offer. Ordering a credit card on the basis of a personal offer made to you in the Internet Bank, you can start using it up to the established limit as soon as you place the order and enter into the agreement i.e. even before the physical card reaches you.

Card properties

Net income of applicant from 300 euros per month.

Card limit from 300 euros.

Fixed payment date and amount.

Interest is calculated if you’ve used the credit limit.

You can also take out extra cards for your family members with your fixed payment card. Each additional cardholder
enjoys the same privileges as you. Please call our Customer Service on 6 310 310 to request an extra card.

There is no monthly maintenance fee.

You can determine usage limits for your card that are different from your credit limit in order to protect your money.
Should anything happen to your card, call us on 6 310 310 for quick help and advice. You can request a new card if
necessary.

Cash withdrawals from ATMs with a credit card are subject to a fee. Take a look at the
price list.

You can also make transfers and payments from your credit card limit account. This option is easy to use in the Internet Bank and Mobile Bank.

To make a transfer from your credit card, simply initiate a domestic payment and select your credit card limit account from the drop-down menu. The regular price list for bank transfers applies to transfers you make from your credit card. You cannot select your credit card limit account as the account from which to debit service charges or as the account servicing deposit, loan, insurance, standing order or e-invoice direct debit agreements.

Safe online shopping

We want to make online shopping safer for you. That’s why all MasterCard and Visa cards that have been issued by Swedbank
and are used to make purchases online must be linked to the free Secure Internet service.
Read more.

You can register your card for secure purchases by
logging in
to Swedbank’s Internet bank.

Credit Cover

Credit Cover allows you to insure the debts incurred on your credit card against situations in which repaying them
becomes difficult or impossible.

With Credit Cover, any credit you use will be repaid in such unexpected situations as:

temporary or permanent incapacity for work as a result of an occupational accident or illness;

losing your job; and

a minor child suffering an accident or illness if this results in you no longer being able to fulfil your normal work duties.

With Credit Cover you can insure your smaller everyday financial obligations just as easily and naturally as you would
your car, house or property.
Sign contract.

Reward points

You can collect points three times faster when you make payments with a credit card instead of a debit card. You earn one
reward point for every 6 euros you spend.

For example, when you use your fixed payment credit card to pay for a washing machine that costs 400 euros, you earn more
than 65 reward points. You can use the reward points to get discounts on banking services, choose great gifts or make
donations.

Disputing card transactions

Discounts (0)

A credit card comes with a purchase insurance that covers all durable goods bought with the credit card. Purchase insurance is applied automatically and it is valid for 180 days after the day of the purchase.

The insurance covers theft, loss and damage, even if the purchased item was damaged through your own fault and no manufacturer guarantee applies to it. It applies to goods purchased online as well.

Purchase insurance provides compensation in case you accidentally ruin clothing that you have bought, lose a newly purchased
ring or break the screen of your new tablet computer. Excess per insured event is 30 euros; it is therefore wise to buy all items that cost more than that with a credit card.
Read more about the terms and conditions of purchasing insurance.

Purchase insurance sums insured

Sums insured are determined for each insured item, insured event, and calendar year.

15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card
abroad)

0 to 130EUR, depending on actual costs

16. Conversion fee for transactions in foreign currencies (14)

1% of transaction amount

17. Retrieval of bank cards from other banks from Swedbank ATMs

30
EUR

(1) The interest rate applicable to the main refinancing operations of the European Central Bank
(the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default
interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.

(2) When paying for goods or services with the private person’s Revolving credit card, the bank shall not
calculate interest as from making the transaction with the respective card until the last day (incl.)
of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making
a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately.

(3) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall
not calculate interest as from making the transaction with the respective card until the 10th calendar day
(incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest.
Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest
immediately.

(4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject
to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a
payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately.

(5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than
one year, the Bank will debit a fee for an extra package in full amount.

(6) American Express cards are not issued from 1 st of July 2016.

(7) When paying for goods or services with the American Express Blue credit card, the transaction amount is
subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.

(8) When paying for goods or services with the American Express Gold credit card, the transaction amount is
subject to an up to 40-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.

(9) When paying for goods or services with the American Express Platinum credit card, the transaction amount
is subject to an up to 50-day interest-free period (between the date of purchase and the payment date). When
making transfers from credit card limit account, the calculation of interest starts at once.

(10) Possible with credit cards pointed in 1.1 – 1.4. The fee is charged on the amount that exceeds 5 000 €
per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the
basis of calculation is a calendar month.

(11) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card
is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit
limit shall be charged when increasing or decreasing the credit limit.

(12) The availability of the service in a foreign country depends on the foreign bank's ATM technical
possibilities and service can be used with MasterCard/Maestro cards.

(13) The price is inclusive of VAT at the rate of 20%.

(14) Added to the amount of every transaction made with the card if the card transaction is in a currency
other than the euro.

(15) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a
30day interest-free period, after which the calculation of interest starts. When withdrawing cash or making
transfers from credit card limit account, the calculation of interest starts at once.

(16) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to
a 40day interest-free period, after which the calculation of interest starts. When withdrawing cash or
making transfers from credit card limit account, the calculation of interest starts at once.

(17) The card is not issued from 20th of April 2016.

(18) Possible with Fixed Payment credit card Visa Business, with Business Credit Card and with Business Gold
Credit Cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is
deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar
month.

(19) Service is available with Business Credit Card and Business Gold Credit Card.

Contactless payments - an even quicker way of paying by card

Swedbank’s new contactless cards allow you to make purchases to a value of up to €25 without having to slot your card into
the payment terminal or enter your PIN. You only need to tap it against the terminal. This way your everyday purchases will
be even quicker and more convenient, while being just as safe as before.

More opportunities for the same monthly fee - The new contactless feature won’t lead to any rise in the monthly fee for
bank cards.

Safe - To make a payment you need to place your card very close to the terminal, and two similar payments can’t be made
within a short period of time in a row. Random checks mean that from time to time some small purchases will need to be
confirmed using your PIN. Please do not allow the person who serves you to take the card from you.

Flexible - Should you wish to, you can easily switch the contactless feature off or on again in the Internet Bank or
Mobile Bank. To confirm this, the next time you use your card at an ATM or payment terminal you’ll have to enter your PIN.

International - Contactless payments can be made in Estonia and abroad. Since the amount you can spend in a single
contactless payment can vary from country to country, we recommend that you check out the terms and conditions of such
payments in the country you’re going to before you leave.

If making the contactless payment fails, insert the card in the terminal and enter the PIN.

If your bank card is lost or stolen, block it immediately in the mobile bank or call our Consultation Centre on 6 310 310.

Products

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary.
Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.